National Savings Certificate • Government Guaranteed
NSC Calculator
Calculate returns on National Savings Certificate. Enjoy guaranteed returns with tax benefits under Section 80C.
₹
₹1,000₹20L
Interest Rate
Fixed by Government (FY 2024-25)
7.7%
Lock-in Period
Fixed tenure
5 Years
Tax Benefits
Investment qualifies for deduction under Section 80C. Interest earned is taxable but can be claimed as reinvestment deduction until maturity.
Understanding National Savings Certificate (NSC)
What is NSC?
NSC is a fixed-income investment scheme offered by post offices. It provides guaranteed returns backed by the Government of India with a 5-year lock-in period.
Interest Calculation
Interest is compounded annually but paid only at maturity. The interest earned each year is deemed to be reinvested and qualifies for 80C deduction.
Where to Buy
NSC can be purchased from any post office. There is no maximum investment limit. Minimum investment is ₹1,000 and multiples of ₹100 thereafter.